Property Equity Cash-Out
Calculator Singapore

It is a loan secured against an existing property, with part of the financing released for your use. It adds a repayment obligation and gives the lender security over the property. The amount depends on valuation, existing commitments, applicable rules and credit assessment.

There is no single amount for every owner. Use the current valuation and applicable LTV, then account for secured balances, the relevant CPF adjustment and financing costs. The calculator’s result is indicative; a lender may offer less.

Gross property equity is current value minus outstanding loans secured on the property. Accessible financing is a separate calculation constrained by LTV, CPF treatment and credit capacity. Do not treat the whole gross-equity figure as cash available.

For the individual or shell-company residential MWL case covered here, the cap is 75% without an outstanding housing loan for another residential property, or 45% if there is one or more. These limits include the relevant same-property loans and CPF monies. Other structures require separate assessment.

It can reduce financing capacity in the applicable residential MWL assessment. CPF principal and accrued interest are separately recorded here. Confirm the treatment with your lender and lawyer; this preview does not automatically impose a property-sale refund on a refinancing transaction.

Potentially. Full refinancing can settle an existing loan and include additional funding. A top-up retains the existing loan and requires suitable security arrangements. Your current loan terms, lender consent and available headroom matter.

This calculator does not support mortgage equity withdrawal against HDB flats. It will not produce a cash-out estimate for an HDB selection.

An EC still within its minimum occupation period cannot be used for the residential MWL model described here. After that period, applicable restrictions and lender requirements still need to be checked. The calculator requires an explicit confirmation before showing an estimate.

It generally applies to relevant individual property-backed borrowing, including non-residential property. A qualifying residential MWL can fall within the separate 50%-or-below secured-debt exemption. Corporate and other arrangements require their own treatment; passing a screening ratio is not approval.

They can seek an assessment, but income evidence and its stability matter. Prepare tax statements, business records and bank statements. The lender decides what income it recognises and which adjustments and supporting documents are required.

Potentially, subject to ownership, security and lender requirements. A genuine operating company is assessed using corporate credit criteria. A shell company is not automatically treated like an operating business simply because it is incorporated.

Terms, underwriting, lender status and legal structures can differ. Compare the repayment method, total cost, maturity and default provisions in writing. “Private” is not a blanket exemption from regulation, income checks or security requirements.

Possible costs include legal, valuation, arrangement, redemption, discharge and documentation charges, plus mortgage duty where payable. Enter each fee once and choose whether it is deducted, paid separately or financed. The defaults are demonstration amounts, not a quotation.

This can be a proposed funding purpose, subject to lender terms and suitability. Match repayment dates to dependable cash flow and compare the expected business benefit with total cost and the property risk. A funding purpose does not itself establish eligibility.

The consequences depend on the agreement and applicable law, and may include charges, enforcement and loss of the secured property. Contact the lender early if you expect difficulty. Do not rely on an unconfirmed future refinance to repay a balloon.